This page contains affiliate links, which means we may receive compensation if you complete a form.
Request a term life insurance quote for coverage with no medical exam or for a policy with full underwriting (health questions, physical, blood and urine testing).
Take advantage of our online term life insurance cost calculator to get an instant estimate of the monthly premiums without having to enter any personal information. Play around with policy configurations to find a combination that fits your budget.
The primary difference between no medical exam and fully underwritten quotes comes down to the face amount (no more than $100,000 vs up to $500,000). Also, your age can limit the term length. For example, senior citizens over 60 can only purchase 10-year policies.
Term Life Insurance Cost Calculator No Personal Information
Use our online term life insurance cost quote calculator and get an instant estimate of the monthly premiums without having to give out your personal information. Quickly compare rates for fully underwritten coverage by changing the length in years (10, 20, or 30) and face amounts (up to $500K) while remaining anonymous.
- No need to input name, address, or zip code
- No email address
- No phone calls from agents
Click here to complete a second online form (Affiliate Link) for an exact quote from an agent licensed in your state.
Get an instant online cost quote estimate for 10-year term life insurance without entering your personal information into the calculator. You will find that a 10-year policy has the most affordable initial premiums. However, this does not mean that it is the lowest cost option over a longer period.
Keep in mind what happens to rates once the 10-year term expires. People with expiring coverage make choices that often hinge on their health and/or other circumstances.
- Allow the coverage to lapse because the need for a death benefit has gone away
- Start a new 10-year term policy after showing evidence of continued good health
- Continue paying sharply higher premiums on the existing policy because of poor health
Constantly starting new 10-year policies is most affordable when you remain healthy. However, the opposite is true if your health deteriorates and you cannot qualify for brand new coverage.
Get an instant cost quote for 20-year term life insurance by using the anonymous online calculator. You will find that the 20-year estimated price as you would expect – right in the middle of the two other options (10 and 30).
In addition, you will begin to see a hidden reason why this design is so affordable. The term ends before most people will die – and the company does not have to pay a claim. Consider the average life expectancy in the United States.
- Males: 76
- Females: 81
Many companies will not issue a 20-year policy to anyone over the age of 65. The reason is simple. The coverage would remain in force past the average life expectancy. The companies want to avoid death claims.
You will see this pattern continue with longer terms.
Get an instant cost quote for 30-year term life insurance without inputting your personal information into the online calculator. You will find that a 30-year policy has the highest initial monthly premiums. However, it could be the most affordable option for parents with young children who need coverage that will remain in force until their offspring become self-sufficient adults.
Compare the estimated monthly premium rates for $500K face amount for a non-smoker under the age of 35 to the alternatives – permanent policies that feature cash value accumulation and last until your children reach adulthood.
As you can see, a 30-year policy is the lowest cost option for families with young children. However, you cannot get your money back while you are still alive unless you purchase a return of premium (ROP) rider.
In addition, longer policies continue the trend of companies not extending coverage past the average life span. Many companies will not issue a new 30-year policy to anyone over the age of 45 – since the odds of the person dying by age 75 is simply too high.
Term Life Insurance Quotes without Medical Exam
Term life insurance quotes for policies without a medical exam allow senior citizens and people in poor health to see how much the coverage might cost per month. However, the face amounts that you can purchase will be much smaller when you complete a simplified issue application.
Simplified issue applications contain some health questions but process without a medical exam.
- No physical by a nurse
- No blood tests
- No urine samples
- No Electrocardiogram
People over 50 can get a term life insurance quote for policies without a medical exam. First, get an instant cost estimate by inputting the age-specific variables into the online calculator. However, applicants over the age of 50 have fewer options when seeking to avoid a physical examination.
- Death benefit must be $100,000 or less
- Maximum term is 20 years
Individuals over the age of 50 may find that avoiding a physical helps gain approval because they have a medical condition they want to be ignored. You could pay and/or wind up with a lower face amount for skipping this underwriting step. However, it may be your only option if you are in poor health.
Renewing an existing policy at the end is another option. Many plans are guaranteed renewable to age 95 without evidence of good health. Just hold on to what you already have – but expect a spike in monthly costs.
Senior citizens over 60 can also get a term life insurance quote for coverage without a medical exam. First, get an instant cost estimate by inputting the age-specific variables into the online calculator. However, applicants over the age of 60 have the fewest options when seeking to avoid a physical examination.
- Death benefit must be $50,000 or less
- Maximum term is 10 years
Senior citizens over 60 should realize that term life insurance is not the same as a final expense or burial policy. You need to purchase permanent coverage in order to cover final expenses. Remember, there is a good chance that the term will expire before you pass away.
In addition, the company does not guarantee that they will issue the policy to every person over the age of 60. The application will ask questions and the company can decline the request even though they do not require a medical examination.